Online Prices for Greensboro, NC Auto Insurance Agents

To find a licensed insurance agent in Greensboro, we recommend you start your search for an agent online instead of making phone calls. Chances are good you want a decent agent, but also the lowest possible price.

With companies like State Farm, Allstate, Farmers and independent agents having offices in Greensboro, it can be hard to know which will have the best rates, service and coverage. Thankfully, consumers can use online quoting to build a list of agencies to choose from.

Local Greensboro auto insurance agents

Insurance agents can answer important questions and give you peace of mind. One of the best bonuses of getting online price quotes is you can get better rates but also keep your business local. And supporting small agencies is important especially in Greensboro.

By using this short form, the coverage information is immediately sent to participating agents in Greensboro who will battle to get your business. You won’t need to visit any agencies as quotes are delivered immediately to your email address. How cool is that?! You can find better rates AND an agent nearby.

The type of insurance agent you choose is important

When researching a good Greensboro insurance agent, you must know there are a couple types of agencies to choose from. Agencies in Greensboro can either be captive or independent.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When comparing rates, it’s a good idea to include several independent insurance agents to have the most options to choose from. Many write coverage with lesser-known insurance companies which can save you money.

The following are Greensboro independent agents who can help you get price quotes.

  • Southeastern Agency Group Inc – 1501 Highwoods Blvd # 102 – Greensboro, NC 27410 – (336) 218-7470
  • Transamerica Insurance – 201 Pomona Dr # B – Greensboro, NC 27407 – (336) 852-2786
  • Maxwell Insurance Group – 3306 N Elm St – Greensboro, NC 27405 – (336) 286-0102
  • Direct General Ins Agency – 3011 Spring Garden St # C – Greensboro, NC 27403 – (336) 632-1208
  • Protective Agency Inc – 2416 High Point Rd # B – Greensboro, NC 27403 – (336) 292-6445
Captive Agents

This type of agents are contracted to one company such as Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only choose to use a captive agent primarily because of high brand loyalty and solid financial strength.

Below is a short list of captive agents in Greensboro that are able to give rate quotes.

  • State Farm Insurance – 4133 Spring Garden St – Greensboro, NC 27407 – (336) 294-4341
  • Liberty Mutual Insurance – 7015 Albert Pick Rd – Greensboro, NC 27409 – (336) 668-2389
  • Nc Farm Bureau Regional Ofc – 7017 Albert Pick Rd # B – Greensboro, NC 27409 – (336) 665-9092
  • Allstate Insurance Co – 5910 W Market St # B – Greensboro, NC 27409 – (336) 316-0000

To view a complete directory of Greensboro captive agents, visit this site.

Deciding on an insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Will your rates increase after a single accident?
  • Can they provide you with a list of referrals?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Are there any discounts that you might be missing?
  • Do they specialize in personal lines coverage?

After getting acceptable answers to your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that can adequately provide auto insurance.

When might I need an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • Does liability extend to a camper or trailer?
  • Should I have combined single limit or split liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my vehicle need full coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent.

Are online companies an option?

Auto insurance agents are important, but you also have the option of buying North Carolina car insurance direct from companies online. Even companies like State Farm and Allstate who have local Greensboro agents also let you buy online, so keep that in mind.

If you’re uneasy about not getting proper coverage when buying online, that should not be a issue. Online car insurance companies that allow you to purchase coverage have customer service departments for getting questions answered.

Do online companies provide lower prices? Many people think so, but it’s hard to say for sure because there are many components that impact your premium. Common sense would say that a shopper who purchases direct saves money by not requiring a commission. For most online online companies, however, marketing expenses are significant and this drives up their premium costs.

In the end, you save

Cheaper auto insurance can be sourced on the web and with local Greensboro insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best price.

North Carolina insurance information

Much more information about auto insurance in North Carolina can be found on the North Carolina Department of Insurance website located here. North Carolina consumers can find a variety of consumer forms, read industry bulletins, read enforcement actions against agents and companies, and find disaster information.

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